INDIAN BANKING RADAR (IBR) - IBPS PRELIMS INTELLIGENCE MOCK

🔥 PLATINUM SERIES 2.0 | VOL. 172

📅 18 SEPTEMBER 2026 | FRIDAY

⚡ 15-MINUTE PRELIMS INTELLIGENCE TEST

🎯 TARGET EXAMS

IBPS PO | IBPS Clerk/CSA | SBI PO

SBI Clerk | RBI Assistant | RRB Office Assistant

LBO | Cooperative Bank Exams

📊 20 QUESTIONS | 15 MINUTES | 20 MARKS

⚠️ NEGATIVE MARKING: 0.25 MARK FOR EACH WRONG ANSWER

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📝 TEST INSTRUCTIONS

• Attempt all 20 questions

• Avoid spending excessive time on one question

• Questions 1–15 test core Prelims skills

• Questions 16–20 test current Banking & Economic Intelligence

• Target score: 16+ / 20

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Q1. The bank decided to ______ its internal audit mechanism after identifying weaknesses in compliance monitoring:

A. revamp

B. suppress

C. neglect

D. conceal

E. abandon

Q2. Choose the word opposite in meaning to PRUDENT:

A. cautious

B. judicious

C. reckless

D. sensible

E. careful

Q3. Choose the grammatically correct sentence:

A. Each of the officers have submitted their report.

B. Neither the manager or the employees were aware of the change.

C. The committee have discussed the matter in detail.

D. Each of the branches has submitted its monthly report.

E. The information were circulated among all branches.

Q4. Rearrange the following sentences to form a coherent paragraph:

P. As digital payments expanded rapidly

Q. banks began investing more heavily in cybersecurity

R. because the volume of financial transactions increased

S. across both urban and rural markets:

A. Q-P-R-S

B. P-Q-R-S

C. R-S-P-Q

D. P-R-Q-S

E. S-P-Q-R

Q5. The regulator advised banks to ______ adequate records of suspicious transactions:

A. destroy

B. conceal

C. overlook

D. postpone

E. maintain

Q6. A bank's deposits increased from ₹75 crore to ₹90 crore. The percentage increase is:

A. 20%

B. 18%

C. 25%

D. 15%

E. 22%

Q7. The ratio of current account deposits to savings account deposits is 2:5. If total CASA deposits are ₹2,800 crore, the savings account deposits are:

A. ₹1,600 crore

B. ₹1,800 crore

C. ₹2,000 crore

D. ₹2,200 crore

E. ₹2,400 crore

Q8. The average of seven consecutive integers is 36. The product of the smallest and largest integers is:

A. 1,260

B. 1,296

C. 1,320

D. 1,287

E. 1,350

Q9. A sum amounts to ₹13,200 in two years at 10% per annum simple interest. The principal is:

A. ₹10,500

B. ₹11,000

C. ₹11,200

D. ₹11,500

E. ₹12,000

Q10. An article marked at ₹6,400 is sold at a discount of 15%. Its selling price is:

A. ₹5,240

B. ₹5,360

C. ₹5,520

D. ₹5,600

E. ₹5,440

Q11. Find the next number in the series:

7, 15, 31, 63, 127, ?

A. 255

B. 253

C. 257

D. 259

E. 261

Q12. If every letter in the word LOAN is shifted two places forward in the English alphabet, the resulting code is:

A. NQBO

B. NQCO

C. NQCP

D. OQCP

E. NPCP

Q13. Statements: Some banks are digital lenders. All digital lenders use technology platforms. Conclusions: I. All banks are digital lenders. II. All technology platforms are used by banks:

A. Only I follows

B. Only II follows

C. Both I and II follow

D. Neither I nor II follows

E. Either I or II follows

Q14. A person walks 10 metres north, turns right and walks 6 metres, turns right and walks 14 metres, and then turns left and walks 3 metres. In which direction is the person from the starting point:

A. North-West

B. South-East

C. South-West

D. North-East

E. West

Q15. Five officers D, A, E, B and C sit in a row facing north. D sits at the extreme left end. A sits immediately to the right of D. E sits immediately to the right of A. B sits immediately to the right of E. C sits at the extreme right end. Who sits in the middle:

A. D

B. A

C. B

D. C

E. E

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🔥 CURRENT BANKING & ECONOMIC INTELLIGENCE

Q16. In the first OMO sale auction conducted by RBI on 17 September 2026, the amount of Government securities notified for sale was:

A. ₹50,000 crore

B. ₹25,000 crore

C. ₹75,000 crore

D. ₹1 lakh crore

E. ₹2 lakh crore

Q17. In the first OMO auction, RBI received bids worth approximately:

A. ₹50,000 crore

B. ₹60,000 crore

C. ₹66,590 crore

D. ₹75,000 crore

E. ₹1 lakh crore

Q18. RBI accepted approximately how much through the 17 September 2026 VRRR auction:

A. ₹1.50 lakh crore

B. ₹2.00 lakh crore

C. ₹2.20 lakh crore

D. ₹2.39959 lakh crore

E. ₹3.00 lakh crore

Q19. Under the new UPI framework, the standard MDR for specified eligible Person-to-Merchant transactions above ₹2,000 is:

A. 0.20%

B. 0.40%

C. 0.25%

D. 0.30%

E. 0.50%

Q20. The Demat 2.0 pilot for tokenised corporate bonds uses which mechanism for the money leg of settlement:

A. CRR balances

B. Physical currency settlement

C. Wholesale CBDC

D. Foreign-exchange reserve settlement

E. Bank fixed-deposit settlement

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🔑 ANSWER KEY

Q1.A

Q2.C

Q3.D

Q4.B

Q5.E

Q6.A

Q7.C

Q8.D

Q9.B

Q10.E

Q11.A

Q12.C

Q13.D

Q14.B

Q15.E

Q16.A

Q17.C

Q18.D

Q19.B

Q20.C

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⚡ QUICK VERIFICATION

Q6:

₹90 − ₹75 = ₹15 crore

₹15 ÷ ₹75 × 100 = 20%

Q7:

Total parts = 2 + 5 = 7

Savings = 5/7 × ₹2,800 = ₹2,000 crore

Q8:

33, 34, 35, 36, 37, 38, 39

33 × 39 = 1,287

Q9:

Amount = Principal × 120%

₹13,200 ÷ 1.20 = ₹11,000

Q10:

Discount = 15% × ₹6,400 = ₹960

SP = ₹6,400 − ₹960 = ₹5,440

Q11:

7 × 2 + 1 = 15

15 × 2 + 1 = 31

Therefore: 127 × 2 + 1 = 255

Q12:

L→N, O→Q, A→C, N→P

LOAN → NQCP

Q13:

The statements do not establish either conclusion.

Answer: Neither I nor II follows.

Q14:

North → East → South → East

Net displacement = 9 m East + 4 m South

Direction = South-East

Q15:

D – A – E – B – C

Middle = E

Q16:

First OMO tranche = ₹50,000 crore.

Q17:

Bids received = ₹66,590 crore against ₹50,000 crore notified.

Q18:

VRRR amount accepted = ₹2,39,959 crore, or approximately ₹2.40 lakh crore.

Q19:

Specified eligible P2M transactions above ₹2,000 → 0.40% MDR. PIB also confirms the ₹300 cap for ₹75,000+ transactions and that approximately 96% of P2M transactions remain unaffected.

Q20:

Demat 2.0 uses wholesale CBDC for the money/funds leg, alongside tokenised securities infrastructure. SEBI officially launched the pilot on 10 September 2026.

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🧠 60-SECOND BANKING REVISION

🔹 OMO Sale → Liquidity Absorption

🔹 First OMO tranche → ₹50,000 crore

🔹 OMO bids received → ₹66,590 crore

🔹 VRRR absorption → ₹2.39959 lakh crore

🔹 VRRR cut-off → 5.24%

🔹 Banking-system liquidity surplus → ~₹7.38 lakh crore

🔹 July 2026 overall BoP balance → US$20.8 billion surplus

🔹 July 2026 current account → US$7.0 billion deficit

🔹 UPI specified eligible P2M > ₹2,000 → 0.40% MDR

🔹 ₹75,000+ specified transactions → ₹300 MDR cap

🔹 Essential/thin-margin sectors → ₹5 flat MDR

🔹 Specified capital-market transactions → 0.02% MDR, ₹300 cap

🔹 P2P UPI → Free

🔹 Approximately 96% of P2M transactions remain unaffected

🔹 Demat 2.0 → Tokenised Corporate Bonds + DLT + Wholesale CBDC

🔹 StCBs → 34

🔹 DCCBs → 353

🔹 PACS → ~1.06 lakh

🔹 NABARD DCCB inspections → 268

🔹 Weak RCBs under TAP → 96

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